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HealthPartners Journey Stride (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for HealthPartners Journey Stride (PPO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on HealthPartners Journey Stride (PPO) in 2025, please refer to our full plan details page.
HealthPartners Journey Stride (PPO) is a PPO plan offered by HealthPartners, Inc. available for enrollment in 2025 to people living in Metro, Central, and Greater MN Counties. This plan received an overall rating of 4 out of 5 stars in 2025.
It's important to know that HealthPartners Journey Stride (PPO) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Key Plan Facts
Below are a few key facts and commonly-asked questions about HealthPartners Journey Stride (PPO).
Plan Costs:
The cost of a Medicare Advantage Plan is made up of four main parts.
- First, the monthly premium — the amount you pay every month.
- Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
- Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
- Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.
For HealthPartners Journey Stride (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $51.00. This is the amount you must pay every month.
This plan does not come with a Part B Premium reduction. You must continue to pay your Part B premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has a $300.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a combined Maximum Out-Of-Pocket cost of $6000.00 (in-network or out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $6000.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
The plan may have separate out-pocket-maximums for in-network and out-of-network services. See our full plan details page for more information.
You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.
Common Services:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
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Drug Coverage
The HealthPartners Journey Stride (PPO) plan has a $300 deductible for prescription drugs. After meeting the deductible, you will pay a copay or coinsurance depending on the drug tier and pharmacy. For example, in the initial coverage phase, you may pay a $12 copay for preferred generic drugs. For preferred brand drugs, you'll pay 50% coinsurance. Once your total drug costs reach $2000, you enter the catastrophic coverage phase where you pay nothing for covered drugs.
Additional Benefits
The HealthPartners Journey Stride (PPO) plan offers comprehensive coverage, including inpatient and outpatient hospital services, with varying copays depending on the specific service. The plan also covers primary care, specialist visits, mental health, and therapy services, with copays ranging from $20 to $45. Additionally, this plan includes benefits for hearing, vision, and dental services, with specific copays and coverage limits for each. This plan includes additional benefits such as ambulance services, emergency care, and home health services, with specific copays or coinsurance amounts. It also covers medical equipment, diagnostic and radiological services, and skilled nursing facility stays. However, the plan does not cover Cardiac Rehabilitation Services.
Inpatient Hospital See details
Inpatient Hospital services are covered, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric. For Inpatient Hospital-Acute, there is a $375 copay for days 1-5, and no copay for days 6-90. For Inpatient Hospital Psychiatric, there is a $375 copay for days 1-5, and no copay for days 6-90. Non-Medicare-covered stays and upgrades for Inpatient Hospital-Acute and Non-Medicare-covered stays for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services, including outpatient hospital services, observation services, ambulatory surgical center services, outpatient substance abuse services, and outpatient blood services are covered. Outpatient hospital services have a $350 copay, observation services have a $375 copay, ambulatory surgical center services have a $300 copay, and individual and group sessions for outpatient substance abuse have a copay between $45 and $45.
Partial Hospitalization See details
Partial Hospitalization is covered by the HealthPartners Journey Stride (PPO) plan, with a copay of $55.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the HealthPartners Journey Stride (PPO) plan, with a $300 copay for both ground and air ambulance services and no coinsurance. Transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services are covered by the HealthPartners Journey Stride (PPO) plan with a $125 copay and no coinsurance, and Urgently Needed Services have a $40 copay and no coinsurance. Worldwide Emergency Services, including Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation, are covered with a 20% coinsurance.
Primary Care See details
The HealthPartners Journey Stride (PPO) plan covers primary care physician services, chiropractic services with a $20 copay, occupational therapy services with a $40 copay, physician specialist services with a $45 copay, mental health specialty services with a $45 copay for individual sessions and a $22.50 copay for group sessions, other health care professional services with a copay between $0 and $45, psychiatric services with a $45 copay for individual sessions and a $22.50 copay for group sessions, physical therapy and speech-language pathology services with a $40 copay, additional telehealth benefits with a copay between $0 and $45, and opioid treatment program services with a $45 copay. Podiatry services are not covered.
Preventive Services See details
Preventive Services, including Medicare-covered services, annual physical exams, and other preventive services, are covered. Some services are not covered, including Health Education, In-Home Safety Assessment, and Personal Emergency Response System (PERS).
Hearing Services See details
Hearing Services are covered, including hearing exams with a $45 copay, and routine hearing exams limited to one per year. Prescription hearing aids (all types) are covered with a copay between $499 and $999 for two hearing aids per year, while prescription hearing aids - inner ear, outer ear, and over the ear are not covered. OTC hearing aids are not covered.
Vision Services See details
Vision services include eye exams with a $45 copay, and coverage for eyewear including contact lenses, eyeglasses (lenses and frames), eyeglass lenses, eyeglass frames, and upgrades. Routine eye exams are covered once per year.
Dental Services See details
Dental Services are covered, with a maximum benefit of $2,000 per year for both in-network and out-of-network services. Oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), fluoride treatment, and other preventive dental services are covered, with limits on the number of visits. Restorative Services have a 50% coinsurance, and Periodontics have a 0-50% coinsurance. Maxillofacial Prosthetics and Orthodontics are not covered. Adjunctive General Services, Endodontics, Prosthodontics (removable and fixed), Implant Services, and Oral and Maxillofacial Surgery are offered as optional, supplemental benefits.
Home Infusion bundled Services See details
Home Infusion bundled Services, including Medicare Part B Insulin Drugs, Medicare Part B Chemotherapy/Radiation Drugs, and Other Medicare Part B Drugs, are covered. For Medicare Part B Insulin Drugs, there is a $35 copay and the coinsurance is between 0% and 20%. For Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, the coinsurance is between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered by the HealthPartners Journey Stride (PPO) plan. You will pay 20% coinsurance for these services.
Medical Equipment See details
Medical Equipment coverage includes Durable Medical Equipment, Prosthetics/Medical Supplies, and Diabetic Equipment. Durable Medical Equipment has a 20% coinsurance, while Durable Medical Equipment for use outside the home is not covered. Prosthetics and Medical Supplies have a 20% coinsurance. Diabetic Supplies and Diabetic Therapeutic Shoes/Inserts have a 20% coinsurance.
Diagnostic and Radiological Services See details
The HealthPartners Journey Stride (PPO) plan covers diagnostic and radiological services. Diagnostic Procedures/Tests have a copay of $50, while Lab Services are not covered. Diagnostic Radiological Services have a copay of $225, and Therapeutic Radiological Services have a 20% coinsurance. Outpatient X-Ray Services have a $25 copay.
Home Health Services See details
Home Health Services are covered by the HealthPartners Journey Stride (PPO) plan with no copay and no coinsurance. However, Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the HealthPartners Journey Stride (PPO) plan. This includes Cardiac Rehabilitation Services, Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the HealthPartners Journey Stride (PPO) plan. For days 1-20, there is no copay, and for days 21-100, the copay is $214.
Other Services See details
Under the HealthPartners Journey Stride (PPO) plan, acupuncture has a $45 copay, and over-the-counter items have a maximum benefit coverage amount of $40 every three months. The plan also covers a meal benefit for chronic illness, US emergency travel logistics, travel counseling, and treatment at the scene, which has a $300 copay. Other services such as Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services and others are not covered.
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